Having to face the major challenges of digital over-proliferation combined with the unsustainable financial crisis that hits owners many times over, who have seen their tax liabilities multiply in a few years, as and the great need for comprehensive and affordable insurance for its members, it dared and took the big step. Expanding the already very successful collaboration with the leading private insurance company of the Greek market, INTERAMERICAN, is adding the POMIDA-KATOIKIA program to the digital platform of www.anytime.gr, offering our old and new members the possibility to insure their homes for all risks immediately and in real time, through many insurance and pricing options and with a real additional 10% discount on platform prices!
The new home insurance policies of the POMIDA HOME program will now be concluded through the ANYTIME online platform, while the insurance policies of the POMIDA BUSINESS and POMIDA COMMUNITY SPACES programs will continue to be done as before, through the “K2 Insurance Brokers Company” – www.k-2 .gr, the head of which Mr. Nikos Kehagiaoglou is always responsible for the development of the POMIDA building insurance program throughout Greece (tel. 210-99020900 & 210-3230400 and e-mail address info@k-2.gr).
POMIDA members will be able to insure their homes through three programs which differ as to the coverages they offer and to their respective costs. At the same time, they are entitled to the reduced annual membership fee of €25 instead of the normal €40!
What are the new insurance plans?
ECONOMIC
It offers coverage that protects residences from the catastrophic risks of fire and earthquake, free coverage of common areas belonging to the insured apartment, and civil liability against third parties from fire or explosion. This program compensates all risks at a rate of 100% without participation of the insured in the damage, except for the earthquake coverage which has a 2% exemption on the insured capital. It is ideal for those who have a mortgage and want to deal with this contractual obligation towards the bank at a very low cost.
VALUE
It offers that Economic and in addition the coverage of weather phenomena, pipe breakage, damage caused by a burglar in the building, civil liability to third parties due to weather phenomena and burst pipes, loss of rent and mortgage payment in case of damage. This plan better shields owners as it extends coverage to other serious risks that may threaten the property. In this program, the customer participates in each damage, amounting to €500.
PREMIUM
Regards the coverage of owner-occupied houses, since it also insures the contents of the house with full coverages which, in addition to the Value program, include short-circuiting of electrical devices and installations, glass breakage, malicious acts, theft, general liability and legal support. In this program there is also participation of the insured in each loss, amounting to €500.
CONTENT & CONTENT PLUS
Programs that exclusively insure the contents of the home and can be combined with Economic and Value or purchased separately. They only insure two values: €20,000 and €40,000. These programs compensate 100% without any participation of the insured. The coverages contained in the Content plans are the same as those of Premium but only concern the content. The Plus plan additionally includes earthquake coverage.
Why is there a participation of the insured / exemption of the insurance company from the amount of €500 in the Value and Premium plans?
The process of declaring each damage, recording, expert opinion to determine its cost and the whole handling of the approval and payment process have a huge administrative cost for each insurance company, which burdens the total premiums of all of us. However, by establishing this small exemption, we can ensure much lower insurance costs for the large and important risks that threaten us. Indeed, on the one hand, no one would be insured if the insurance company would cover only €500 for each damage, and on the other hand, each insured person can face any minor damage of €500 on their own. Our real need for insurance is to protect ourselves from major disasters that threaten our assets, precisely because today the real problem is that the ability to save has practically been eliminated and no one is able to face a major disaster in their assets. . Insurance is therefore the most reliable financial mechanism, the only one that can generate money at minimal cost, which is immediately activated at the moment of our greatest need. And the insurance premiums are the only money we pay and are purely compensatory in the event of a large property damage. damage, it’s to keep the cost of insurance as low as possible to enable as many owners to insure as possible, which will benefit us all in the long run!
The basis of insurance
We can insure our buildings with values of €1000, €1200 or €1600 per square meter depending on the quality and their construction value. It is recalled that the commercial or objective value of a property is not insured, but the value of its reconstruction costs. The insurance company will reimburse the cost of materials and labor to repair any insured damage to the building. The content in the Premium program is insured for €400/m².
The cost of insurance
The cost of insurance is extremely low and enables every owner to insure his real estate by choosing the one from the insurance programs that suits his needs. More specifically, the premium rates are as follows:
Economic: 0.9126‰ The plan is compulsorily given with earthquake coverage. For €100,000 insured capital the annual premium is €91.26
Value without earthquake: 0.3857‰ For every €100,000 insured capital the annual premium is 38, €57
Value with earthquake: 1.1372‰ For every €100,000 of insured capital the annual premium is €113.72
Premium without earthquake:
If coverage is selected with a capital of €1,000 / sqm, the insurance factor is 0.5624‰. For example, a 100 square meter house is insured for a building capital of €100,000 and contents of €40,000. The annual premium will be 140 X 0.5624=€78.74
If coverage is chosen with a capital of €1200 / sqm the insurance factor becomes 0.5467‰. For example, a house of 100 square meters is insured for building capital of €120,000 and contents of €40,000. The annual premium will be 160 X 0.5467=€87.47
If coverage is chosen with a capital of €1600 / sqm the insurance rate becomes 0.5247‰. For example, a house of 100 square meters is insured for building capital of €160,000 and contents of €40,000. The annual premium will be 200 X 0.5247=€104.94
Premium with earthquake:
If coverage is chosen with a capital of €1000 / sq m the insurance factor is 1.4756‰. For example, a 100 square meter house is insured for a building capital of €100,000 and contents of €40,000. The annual premium will be 140 X 1.4756=€206.58
If coverage is chosen with a capital of €1200 / sqm the insurance factor becomes 1.4397‰. For example, a house of 100 square meters is insured for building capital of €120,000 and contents of €40,000. The annual premium will be 160 X 1.4397=€230.35
If coverage is chosen with a capital of €1600 / sqm the insurance factor becomes 1.3894‰. For example, a house of 100 square meters is insured for building capital of €160,000 and contents of €40,000. The annual premium will be 200 X 1.3894=€277.88
Content & Content Plus (content only)
For a capital of €20,000 the annual premium is €53.19 for Content and €119.58 for Content Plus
For a capital of €40,000 the annual premium is €66.46 for Content and €132.90 for Content Plus.
All prices above refer to the final cost payable, which includes the premium and any tax, fee or charge.
INSURANCE PROCEDURE – OFFER CODE FOR POMIDA MEMBERS
The insurance can be carried out immediately and in real time through INTERAMERICAN’s www.anytime.gr website with the following simple steps:
– Select the “Home” category.
– We select “Get insured now”.
– We choose from the menu whether or not we have a mortgage. The question is asked to include the special term for borrowers in the contract, while the programs are the same in both cases.
-In the “Offer code” field we write the word “POMIDA” and immediately after, without a space, our membership registration number, in order to calculate the special 10% discount applicable to our members! The registration number is indicated on our identity card, or is given to us directly by the POMIDA Secretariat (tel. 2103213211, mail@pomida.gr).
Example of Offer Code: POMIDA12345
– We select “Calculate insurance premiums” and the insurance programs are displayed.
– We select ” Buy” in the program we want, as long as we agree with the cost etc.
– We register the necessary details of our residence and its insured owner.
– We proceed to pay the insurance premium, via our credit card or by bank transfer via web banking.
The Our insurance is complete! The insurance policy will be sent to our e-mail! We print it and file it!
There is also the possibility of insurance through the ANYTIME call center. Contact is made through the telephone numbers 801-11-30000 or 210-9460000. In this case, the contract is sent by courier and the payment is made by cash on delivery upon receipt or through a bank.
*POMIDA members have the option to are insured without earthquake coverage, by calling the ANYTIME call center!
We emphasize again that the service and support of our members who will participate in the program will continue to be provided, as well as for the existing program concerning the insurance of business premises and common users, from the “K2 Insurance Broker Company” – www.k-2.gr of the consultant responsible for the development of POMIDA’s building insurance programs, Mr. Nikos Kehagiaoglou, in the call centers 210-99020900 & 210-3230400 and at the email address info@k-2.gr.
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